Call reports 2005
SOUTHERN BANCORP BANK, NATIONAL ASSOCIATION — 2005
What SOUTHERN BANCORP BANK, NATIONAL ASSOCIATION reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 174,526,000 | 187,317,000 | 195,773,000 | 186,396,000 |
| Total loans | 73,596,000 | 89,569,000 | 100,026,000 | 92,546,000 |
| Allowance for loan losses | 2,915,000 | 2,917,000 | 2,857,000 | 2,763,000 |
| Securities available for sale | 79,684,000 | 72,919,000 | 70,246,000 | 70,135,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 147,622,000 | 147,590,000 | 161,611,000 | 161,036,000 |
| Interest-bearing deposits | 116,541,000 | 116,767,000 | 128,981,000 | 127,024,000 |
| Noninterest-bearing deposits | 31,081,000 | 30,823,000 | 32,631,000 | 34,012,000 |
| Equity capital | 22,308,000 | 23,159,000 | 23,662,000 | 22,982,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 2,047,000 | 4,346,000 | 6,914,000 | 9,506,000 |
| Interest expense | 365,000 | 857,000 | 1,590,000 | 2,341,000 |
| Net interest income | 1,682,000 | 3,489,000 | 5,324,000 | 7,165,000 |
| Noninterest income | 486,000 | 1,004,000 | 1,519,000 | 2,045,000 |
| Noninterest expense | 1,524,000 | 3,145,000 | 4,660,000 | 6,154,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 644,000 | 1,348,000 | 2,192,000 | 3,065,000 |
| Income tax | 132,000 | 298,000 | 512,000 | 745,000 |
| Net income | 512,000 | 1,050,000 | 1,680,000 | 2,320,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,120,000 | 17,658,000 | 18,288,000 | 17,995,000 |
| Total capital | 18,338,000 | 19,038,000 | 19,797,000 | 19,431,000 |
| Risk-weighted assets | 95,716,000 | 108,897,000 | 119,343,000 | 113,591,000 |